Why would someone carry a credit card balance (with a 10 to 20 percent interest rate) while having money in savings earning next to nothing that could pay some or all of it off ?  There actually are reasons that make some sense.  See this posting in MarketWatch by Simon Constable for the details:

http://echo4.bluehornet.com/ct/49922621:28343653836:m:1:2505976388:16031730955D7B4F97F764C655491894:r

This article makes some good points for carrying a credit card balance in certain circumstances.  I guess the old saying that ‘one size doesn’t fit all’ applies here.  Each situation is unique and should be approached as such.

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